I think that the more competitors you have in a market, the more competition there is. The fact that CMHC has been able to provide the government with $12 billion over that period of time...it's coming primarily from first-time homeowners paying their mortgage insurance. Is that who should be paying down the deficit?
I think a competitive market could likely change fee structures, for one thing. In some countries you pay an upfront fee and a monthly fee, or just a monthly fee, or just until your mortgage gets down below the 80%. There are other options out there that maybe we haven't considered in Canada.